Consolidated Balance Sheets - USD ($)	Dec. 31, 2024	Mar. 31, 2024
Assets
Cash and due from banks	$ 1,348,499	$ 2,981,089
Interest-bearing deposits in other financial institutions	393,605	7,529,609
Federal funds sold	710,000	107,000
Cash and cash equivalents	2,452,104	10,617,698
Available-for-sale securities	23,204,214	25,181,361
Loans receivable	108,165,466	108,724,627
Allowance for credit losses	(915,129)	(855,455)
Net loans	107,250,337	107,869,172
Premises and equipment	5,183,049	5,339,998
Restricted stock	901,700	515,000
Bank owned life insurance	3,575,237	3,491,015
Accrued interest receivable	447,413	483,027
Net deferred federal income taxes	1,395,408	1,328,523
Other assets	478,349	511,468
Total assets	144,887,811	155,337,262
Deposits
Demand	46,144,767	48,459,382
Savings and money market	51,118,526	51,227,399
Time	32,835,398	42,405,531
Total deposits	130,098,691	142,092,312
Advances from the Federal Home Loan Bank	1,000,000	3,000,000
Advances by borrowers for taxes and insurance	573,323	329,730
Directors plan liability	288,460	762,416
Accrued interest payable and other liabilities	1,129,867	588,099
Total liabilities	133,090,341	146,772,557
Stockholders' Equity
Preferred stock - $.01 par value, 1,000,000 shares authorized
Common stock - $.01 par value, 14,000,000 shares authorized, 526,438 shares issued at December 31, 2024	5,264
Additional paid in capital	3,858,126
Unallocated common stock of ESOP	(350,084)
Retained earnings	12,595,524	12,917,702
Treasury stock - 21,000 shares	(210,000)
Deferred compensation plan - Rabbi Trust - 21,000 shares	210,000
Accumulated other comprehensive loss	(4,311,360)	(4,352,997)
Total stockholders' equity	11,797,470	8,564,705
Total liabilities and stockholders' equity	$ 144,887,811	$ 155,337,262